The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$48,926
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,448
−HK$1,546/mo
Today · 4.125%
HK$51,994
baseline
▲ 0.50% · 4.625%
HK$55,158
+HK$3,164/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$103,988/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$895,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,430
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,890
−HK$1,481/mo
Today · 4.125%
HK$57,371
baseline
▲ 0.50% · 4.625%
HK$60,395
+HK$3,024/mo
Deposit HK$10.73M · loan HK$10.73M · min. income ≈ HK$114,742/mo (50% DSR)
Upfront cash ≈ HK$11.62M (deposit + AVD stamp duty HK$895,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,712
−HK$3,681/mo
▼ 0.25% · 3.875%
HK$60,538
−HK$1,855/mo
Today · 4.125%
HK$62,393
baseline
▲ 0.50% · 4.625%
HK$66,190
+HK$3,797/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$124,786/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,316
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$67,068
−HK$1,777/mo
Today · 4.125%
HK$68,845
baseline
▲ 0.50% · 4.625%
HK$72,474
+HK$3,629/mo
Deposit HK$8.58M · loan HK$12.87M · min. income ≈ HK$137,690/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$895,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$68,497
−HK$4,295/mo
▼ 0.25% · 3.875%
HK$70,628
−HK$2,164/mo
Today · 4.125%
HK$72,792
baseline
▲ 0.50% · 4.625%
HK$77,221
+HK$4,429/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$145,584/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$76,202
−HK$4,117/mo
▼ 0.25% · 3.875%
HK$78,246
−HK$2,073/mo
Today · 4.125%
HK$80,319
baseline
▲ 0.50% · 4.625%
HK$84,553
+HK$4,234/mo
Deposit HK$6.44M · loan HK$15.02M · min. income ≈ HK$160,638/mo (50% DSR)
Upfront cash ≈ HK$7.33M (deposit + AVD stamp duty HK$895,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$88,067
−HK$5,523/mo
▼ 0.25% · 3.875%
HK$90,807
−HK$2,783/mo
Today · 4.125%
HK$93,590
baseline
▲ 0.50% · 4.625%
HK$99,285
+HK$5,695/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$187,180/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$97,974
−HK$5,293/mo
▼ 0.25% · 3.875%
HK$100,602
−HK$2,665/mo
Today · 4.125%
HK$103,267
baseline
▲ 0.50% · 4.625%
HK$108,711
+HK$5,444/mo
Deposit HK$2.15M · loan HK$19.31M · min. income ≈ HK$206,534/mo (50% DSR)
Upfront cash ≈ HK$3.04M (deposit + AVD stamp duty HK$895,652 · Scale 2, in force from 26 Feb 2026)